Under what circumstance can accident benefits be claimed?

Accident benefits are specifically designed to provide support for individuals who have sustained injuries as a result of a vehicle accident. The correct choice focuses on the treatment of these injuries, which include medical expenses, rehabilitation costs, and potentially income replacement if the individual is unable to work due to the accident. This benefit is part of Ontario's no-fault insurance system, which allows injured parties to access necessary care without having to prove fault on the part of another driver.

The other options pertain to different aspects of automobile insurance. Damages to third parties and personal property damage do not fall under accident benefits but rather under liability coverage. Legal defense costs relate to coverage for costs incurred in defending against claims made by others, which is also distinct from the injury-focused benefit structure that accident benefits provide. This distinction is crucial for understanding how benefits are allocated and what specific needs they address following an automobile accident in Ontario.